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A County Court Judgment, or CCJ, is a legal ruling issued when a person fails to repay a debt.
Once recorded on your credit file, it can make borrowing more difficult.
Many lenders in London consider a CCJ to be a sign of financial risk, which can affect your ability to get a mortgage.
However, options are available, as a mortgage broker in London, we specialise in helping applicants with CCJs find lenders willing to assess their full financial picture rather than just their credit history.
Our mortgage advisors in London can help you explore the most suitable mortgage options for your situation.
Yes, but lenders will consider factors such as when the CCJ was issued, whether it has been settled, and how much was owed.
Some mortgage providers may require a larger deposit or charge a higher interest rate to offset the perceived risk.
Getting mortgage advice in London can make a difference, as an expert can identify lenders who are more open to applicants with CCJs.
Your options will depend on several factors, including the size of your CCJ, whether it has been repaid, and your overall credit profile.
Some lenders specialise in mortgages for those with adverse credit, while others may have stricter rules.
A mortgage advisor in London can help you assess which lenders are most likely to approve your application and secure a deal that works for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
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Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
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Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
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I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
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The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
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Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
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Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
The first step is to speak with one of our mortgage advisors in London, who will review your financial circumstances and discuss your mortgage options.
We will assess your CCJ history and explore the lenders most likely to approve your application.
As a mortgage broker in London, we compare different lenders to identify those who are more likely to approve your application.
Each lender has their own CCJ criteria, and we focus on those most suited to your financial profile.
We help you gather all the necessary documents, such as proof of income, credit reports, and bank statements, to ensure your application is as strong as possible.
Having a complete and well-prepared application increases your chances of approval.
Once your mortgage has been approved, we will guide you through to completion, handling the final details to ensure a smooth and stress-free process.
We keep you informed at every stage, making sure you fully understand the next steps.
Lenders will look at when the CCJ was issued, how much was owed, and whether it has been paid.
The older the CCJ, the better your chances of securing a mortgage.
Some lenders may refuse applications if a CCJ is recent, while others are more flexible depending on your overall financial profile.
Although a CCJ affects your credit file, lenders also consider other factors such as your overall credit score, existing debts, and financial stability.
If you have demonstrated responsible financial behaviour since receiving your CCJ, such as making consistent repayments on other credit commitments, it can work in your favour.
Many lenders require a higher deposit when approving a Mortgage With CCJ in London, often 15 percent or more.
The size of the deposit required depends on factors like how recent your CCJ is and your overall credit history.
Interest rates may also be higher, as lenders may see CCJ applicants as higher risk.
Understanding which lenders will consider applications from those with CCJs can be difficult, as not all lenders openly advertise their criteria.
As a mortgage broker in London, we help match you with lenders who are willing to consider your full financial circumstances, not just your credit history.
Our mortgage advisors in London can guide you through the process, helping you find the right lender for your situation.
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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